[macspoofing]

>That's convenient for the people it doesn't affect.

It's not convenient because it allows for conspiracy theories like yours to take hold.

Tell me, how do you decide that a policy which makes no reference to race, and is implemented in a regulated environment that makes racist policies illegal, is actually racist?

To me, it seems like the only yard stick you have is if the policy has differential impact on some group. That is as low a bar as you can have and it completely dismisses personal attributes that are actually used to qualify for loan. It's also lazy, and malicious.

>The only assumption that OP made is that cheap credit makes it easier to make money, and that makes it easier to get cheap credit. That's not especially controversial.

Yes it is controversial. It's also idiotic and dangerous. Interest rates are low now, max out your HELOC and go make money with it - see how easy it is ... alternatively, try getting a business loan without collateral and see how fast you're rejected. Nobody is going to care that you are in a 'privileged' class.